Recommended Insurance for Assisted Living Facilities


Owning and operating an assisted living facility entails a tremendous amount of responsibility. You are responsible for ensuring the health and safety of people who have special needs 24 hours a day, 7 days a week. There is also a substantial amount of liability associated with this profession so it’s important that you obtain comprehensive assisted living liability insurance.

Necessary Coverage

It’s important that you talk to an agent who’s experienced with offering policies that are specifically designed for assisted living, such as Caitlin Morgan. At a bare minimum you will want to obtain the following policies:

  • Professional Liability
  • General Liability
  • Property Insurance
  • Auto Insurance

Even if you don’t transport residents in cars, you’ll probably still want to make sure you have an automobile policy. Any time an employee drives in order to conduct any type of work-related business, you (and/or your business) can be held liable if something happens.

Recommended Coverage

In addition to standard policies, there are some other types of policies that you may want to consider including. Some of these are:

  • Workers’ Compensation
  • Directors and Officers Liability
  • Excess Liability

Cyber Liability is another type of coverage you may want to explore. Most assisted living facilities to keep highly confidential medical records for their residents. These are protected by the Health Insurance Portability and Accountability Act, and a data breach of medical records is a serious issue.